Life Insurance in and around Independence
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It's Never Too Soon For Life Insurance
Do you know what funerals cost these days? Most people aren't aware that the normal cost of a funeral today is $8,500. That’s a heavy burden to carry when they are facing grief and pain. If your family cannot meet that need, they may end up with large debts as a result of your passing. With a life insurance policy from State Farm, your family can survive, even without your income. Whether it pays for college, keeps paying for your home or pays off debts, the life insurance you choose can be there when it’s needed most by your loved ones.
Get insured for what matters to you
What are you waiting for?

State Farm Can Help You Rest Easy
Fortunately, State Farm offers various policy choices that can be adjusted to align with the needs of your family members and their unique situation. Agent Houston Richards has the personal attention and service you're looking for to help you purchase coverage which can assist your loved ones in the wake of loss.
Interested in experiencing what State Farm can do for you? Get in touch with agent Houston Richards today to get to know your individual Life insurance options.
Have More Questions About Life Insurance?
Call Houston at (816) 796-9111 or visit our FAQ page.
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- Explore estate and end-of-life planning tools.
Simple Insights®
When should I update my estate plan?
When should I update my estate plan?
Marriage, death and divorce are, of course, reasons to update an estate plan. We review other times to review what's included in this financial document.
Cover two people with one policy, often at lower cost
Cover two people with one policy, often at lower cost
Joint universal life insurance can cover two people with an income tax-free death benefit paid to beneficiaries.

Houston Richards
State Farm® Insurance Agent
Simple Insights®
When should I update my estate plan?
When should I update my estate plan?
Marriage, death and divorce are, of course, reasons to update an estate plan. We review other times to review what's included in this financial document.
Cover two people with one policy, often at lower cost
Cover two people with one policy, often at lower cost
Joint universal life insurance can cover two people with an income tax-free death benefit paid to beneficiaries.